Lbs Financial mortgage approval rate & lending review
Lbs Financial decided 715 mortgage applications and funded 596 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Lbs Financial reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Lbs Financial at a glance
Approval is 14.4 points above the 69.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 106 / 116 | 100% | $605K | 106 |
| Home improvement loans | 89% | 329 / 371 | 100% | $105K | 329 |
| Cash-out refinance | 70% | 133 / 190 | 100% | $105K | 133 |
| Refinance | 73% | 24 / 33 | 100% | $745K | 24 |
Lbs Financial lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 83% | $105K | 715 | 596 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Lbs Financial lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Home improvement loans | 90% | 264 | 237 |
| Orange County, CA | Home improvement loans | 89% | 61 | 54 |
The county markets where Lbs Financial made the most loans. Each link opens that market with every lender ranked.
Questions about Lbs Financial
What is Lbs Financial's mortgage approval rate?
Lbs Financial approved 83.4% of the 715 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.4 points above the 69.0% national rate for the same mix of loan types.
How often do borrowers take the loan Lbs Financial offers?
Borrowers accepted 100% of the loans Lbs Financial approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Lbs Financial make?
The typical home improvement loan loan Lbs Financial made was $105K; across all loan types its typical loan ran from $105K to $745K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Lbs Financial lend?
Lbs Financial decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Lbs Financial directly?
Yes. Lbs Financial is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Lbs Financial's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Lbs Financial treats applications, then get a rate quote from the lender.